India's shared reputation layer for trade credit.
Every day, Indian businesses give goods, money, and services on credit — with no way to know if a buyer actually pays back until it's too late. trustRate changes that: a real rating, earned agreement by agreement, that every seller can check before extending credit.
उधार का भरोसा।
Trust, where credit is given.
The problem
Every invoice is formal. Nobody's payment history is.
A seller extends goods or money on credit, hoping the buyer pays back. If they don't, nothing warns the next seller — the same buyer can simply move on. There's no shared record, no consequence, and no way to check before you say yes.
No visibility
A new buyer's payment history exists only in the memory of whoever dealt with them before — invisible to everyone else.
No consequence
A default with one seller costs nothing with the next one. There's no shared reputation a bad actor has to protect.
No protection
The invoice states the amount, but the credit terms themselves are often agreed over a call or a WhatsApp message — nothing both sides can point back to if a dispute comes up.
The solution
How trustRate works
One real example, walked through end to end — the exact mechanism every agreement on trustRate goes through.
Agreement created
Ramesh gives Suresh ₹50,000 of cement on 30-day credit — recorded in trustRate, not a notebook.
Buyer accepts, on their own dashboard
Suresh sees the exact terms and accepts himself — no ambiguity about what was agreed.
30 days later — did he pay on time?
On time: If Suresh pays by the due date — nothing dramatic. Just another clean payment.
Late: This time, he doesn't. Suresh pays 10 days after the due date instead.
trustRate updates — either way
On time: On time, his trustRate holds steady — or even climbs a little.
Late: Late, like this time, it dips instead — not hidden, not forgotten.
The next seller checks before saying yes
Priya, a different wholesaler, sees Suresh’s real trustRate before extending her own credit.
Now see it react yourself — pick a different outcome for Suresh below.
See it react — pick a scenario
trustRate
845
Sellers extend credit faster, with fewer questions asked.
Illustrative example — not real customer data. Every real trustRate is earned entirely from an account's own agreement history.
Trust & security
Built to actually verify, not just claim
Aadhaar + PAN verified identity
Every account is tied to a real, government-verified identity before it can create or accept an agreement — only a hashed reference is ever stored, never a raw Aadhaar number.
Businesses verified against their own GSTIN
A brand badge requires controlling the real GSTIN it claims, cross-checked against the registering person's own verified PAN — not just typing a name.
Fraud has a real, permanent consequence
Confirmed fraud escalates through a strike system and can end in a permanent, identity-level ban — enforced so it can't resurface under a new mobile number.
About
Why trustRate exists
“I lost ₹1.5 lakhs in Varanasi extending trade credit on nothing but another business's word — no record of how they'd treated other sellers, no way to check it, no way to know I wasn't the fifth person they'd done this to. The money never came back. What stayed with me was realising every seller before me probably knew something I didn't, with no way to tell me. trustRate is the record I wished existed — built for the next person extending credit, not the one who already got burned.”
— Pranav Singh, Founder · Read the full story →
Who it's for · किसके लिए
Built for every side of a credit relationship
Manufacturers
Extend goods credit to the distributors and wholesalers you supply, backed by their real trustRate history — not just their word.
Distributors
Track what every retailer and wholesaler you deal with actually owes you, on one ledger instead of a dozen separate ones.
Retailers
Build a verifiable payment history with every supplier you buy from, so your next credit request doesn't start from zero.
Ready to know who you're dealing with?
Create your trustRate identity today — it's free to get started.